OCFC at a glance
OCEANFIRST FINANCIAL CORP (OCFC, SEC CIK 1004702) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on July 31, 2026 and Form 4 insider filings as recently as September 18, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), OCEANFIRST FINANCIAL CORP (OCFC) reported revenue of $642.5 million (up 0.0% from FY2024) and net income of $71.0 million. Diluted EPS was $1.17.
- As of June 30, 2026, 31 institutional investment managers tracked by SignalX reported holding OCEANFIRST FINANCIAL CORP (OCFC) shares worth $706.1 million in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Schaeffer Brian on August 31, 2026 of 5,500 shares at $18.91 per share.
- In the last 90 days, OCFC insiders reported 0 open-market purchases ($0) and 3 open-market sales ($4.5M) on Form 4, a net sale of $4.5M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $642.5M
- +0.0% vs prior year
- Insiders · 90 days
- 0 buys · 3 sells
- Net −$4.5M
- 13F holders
- 31 funds
- $706.1M · +2 vs prior quarter
- Latest 8-K
- Jul 31, 2026
- Item 2.02 · Item 7.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business: Regional bank focused on commercial lending, deposit growth, and community banking experience with diversified markets including Boston, Northern Virginia, and Baltimore
- New emphasis on Commercial & Industrial loans, rising to 20.1% of total loans from 15.3% in prior year, reducing CRE loan dependence
- Strategic shift: Enhanced digital capabilities and AI-driven technology investments targeting operational efficiency and customer experience parity with national banks and fintechs
- Quantitative highlights: Total assets up $1.14B to $14.56B, loans increased $913.9M driven by $797.1M commercial loan growth, deposits grew $898.1M, and 1.43 million shares repurchased in 2025
- Noteworthy: Issued $185M subordinated notes to redeem $125M notes, executed $1.52B credit risk transfer on mortgage loans to optimize capital and reduce credit risk
Risk Factors
- Regulatory risk: Pending merger requires FRB, OCC, NYDFS approvals; delays or conditions could impose material costs or restrict combined company operations
- Macroeconomic threat: $7.63B (69.2%) loan portfolio concentrated in commercial and real estate sectors, exposing to market downturn risks
- Operational risk: Integration of OceanFirst and Flushing may incur unforeseen costs, delay benefits, and cause key employee losses
- Competitive risk: Issuance of ~20.9M new shares (11.4M to Flushing holders, 9.5M to Warburg) may depress common stock market price
- Financial risk: Termination fees up to $46.3M payable on failed merger or investment completion, causing potential significant cash outflows
Management Discussion & Analysis
- Net interest income primary revenue source; non-interest income includes bankcard, trust, loan sales, insurance
- Strategy focuses on deposit base diversification, commercial banking growth, improved operating efficiency via IT
- Residential and consumer loan originations outsourced Oct 2025; $9.5M residential loans in pipeline as of Dec 31, 2025
- Operates 41 branches in NJ, NYC, Philadelphia metro areas with commercial loan offices across multiple states
AI summary of the OCFC 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Quarterly revenue proxy net interest income $120.7M, up from $87.6M YoY
- Net loss $3.0M vs $16.2M common-stockholder income YoY
- Net interest margin 3.05% vs 2.91%; efficiency ratio 98.88% vs 71.93%
- Flushing acquisition added $8.69B assets, $6.19B loans, and $7.44B deposits
- $1.20B loan-sale proceeds reinvested in securities; $225M Warburg Pincus equity investment
Risk Factors
- No material changes to 2025 Form 10-K risk factors since December 31, 2025
- Carried-forward risk: additional unknown or currently immaterial risks could adversely affect results
- Regulatory risk: new non-voting common-equivalent stock class effective May 29, 2026
- Capital-markets risk: warrants issued to Warburg Pincus affiliates on June 1, 2026
- Shareholder-return risk: 3,226,284 shares remained available for repurchase at June 30, 2026
AI summary of the OCFC 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- Q2 2026 results covered quarter ended June 30, 2026
- Press release issued July 30, 2026 and furnished as Exhibit 99.1
Item 7.01: Regulation FD Disclosure
- Investor presentations scheduled after July 30, 2026
- Exhibit 99.2 contains presentation materials for current and prospective investors
Item EX-99.1: Item EX-99.1
- Q2 net loss $3.0M, or $0.04 per share, versus $20.5M profit in Q1; $42.8M merger expenses obscured underlying performance
- Core earnings $30.5M, or $0.43 per share, up from $24.3M; core efficiency ratio improved to 66.20%
Item 8.01: Other Events
- Amendment corrects rent-regulated loan collateral sold to $836 million from $736 million
- $100 million upward correction increases disclosed transaction exposure by 13.6%
Item 8.01: Other Events
- Completed sale of multifamily loans acquired through Flushing Financial Corporation acquisition
- Portfolio disposition converts acquired loan assets into cash and may reduce multifamily credit exposure
Item EX-99.1: Item EX-99.1
- Completed sale of $1.3B multifamily loan portfolio, comprising more than 1,400 loans
- $736M of sold loans had rent-regulated collateral, reducing exposure to NYC rent-regulation risk
AI summaries of OCFC 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for OCFC
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Schaeffer Brian | Sell | Aug 31, 2026 | 5,500 | $18.91 |
| BURAN JOHN R | Sell | Aug 7, 2026 | 113,463 | $19.40 |
| BURAN JOHN R | Sell | Aug 7, 2026 | 113,630 | $19.40 |
| BURAN JOHN R | F | Jun 3, 2026 | 35,037 | $18.25 |
| BURAN JOHN R | A | Jun 1, 2026 | 113,265 | - |
| BURAN JOHN R | A | Jun 1, 2026 | 113,329 | - |
| Berninger David | F | Mar 4, 2026 | 3,541 | $18.58 |
| Tsimbinos Steven James | F | Mar 4, 2026 | 4,629 | $18.58 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $608.0M | $642.2M | $642.5M |
| Net Income | $104.0M | $100.1M | $71.0M |
| Net Margin | 17.1% | 15.6% | 11.0% |
| Balance Sheet | |||
| Total Assets | $13.5B | $13.4B | $14.6B |
| Equity | $1.7B | $1.7B | $1.7B |
| ROE | 6.3% | 5.9% | 4.3% |
| Per Share | |||
| EPS | - | $1.65 | $1.17 |
| Cash Flow | |||
| Operating CF | $124.3M | $92.2M | $87.2M |
| CapEx | $7.7M | $7.6M | $7.7M |
Source: XBRL data in OCEANFIRST FINANCIAL CORP (OCFC)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate OCFC share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 31 | $706.1M |
| Q1 2026 | 29 | $457.6M |
| Q4 2025 | 27 | $408.2M |
| Q3 2025 | 29 | $418.9M |
| Q2 2025 | 30 | $416.3M |
| Q1 2025 | 24 | $268.5M |
| Q4 2024 | 20 | $246.3M |
| Q3 2024 | 18 | $185.6M |
- BlackRock+3.21M (+48%)
- Vanguard Capital Management LLC+1.25M (+51%)
- Dimensional Fund Advisors+1.18M (+35%)
- State Street Corp+987.0K (+34%)
- Two Sigma Investments+833.7K (+53%)
- Millennium Management−28.7K (-32%)
- Fifth Third Bancorp−13.1K (-47%)
- Wells Fargo & Co−12.4K (-12%)
- Prudential Financial+267.4K
- Mangrove Partners+21.1K
Source: 13F-HR filings on SEC EDGAR (aggregated from 208 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
OCFC filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 18, 2026 | - | - | - |
| 4 | Sep 18, 2026 | - | - | - |
| 4 | Sep 1, 2026 | - | - | - |
| 4 | Aug 13, 2026 | - | - | - |
| 4 | Aug 11, 2026 | - | - | - |
| 10-Q | Aug 7, 2026 | Jun 30, 2026 | Analysis | |
| SC 13G | Aug 7, 2026 | - | - | |
| 8-K | Jul 31, 2026 | - | Analysis | - |
| 8-K | Jun 30, 2026 | - | Analysis | - |
| 8-K | Jun 30, 2026 | - | Analysis | - |
| 8-K | Jun 8, 2026 | - | Analysis | |
| SC 13D | Jun 8, 2026 | - | - | |
| 8-K | Jun 1, 2026 | - | Analysis | |
| 8-K | May 28, 2026 | - | Analysis | |
| SC 13G | May 12, 2026 | - | - | |
| 10-Q | May 1, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | May 1, 2026 | - | Analysis | - |
| 8-K | Apr 27, 2026 | - | Analysis | - |
| 8-K | Apr 23, 2026 | - | Analysis | - |
| 8-K | Apr 15, 2026 | - | Analysis | - |
| 8-K | Apr 7, 2026 | - | Analysis | - |
| 4 | Mar 6, 2026 | - | - | - |
| 4 | Mar 6, 2026 | - | - | - |
| 4 | Mar 6, 2026 | - | - | - |
| 4 | Mar 6, 2026 | - | - | - |
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OCFC SEC filings: frequently asked questions
Are OCFC insiders buying or selling?
In the last 90 days, OCEANFIRST FINANCIAL CORP (OCFC) officers, directors and 10% owners reported no open-market purchases and 3 open-market sales worth $4.5 million by 2 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold OCFC stock?
As of June 30, 2026, the largest OCEANFIRST FINANCIAL CORP (OCFC) holders among the 13F filers tracked by SignalX were BlackRock ($194.1 million), Dimensional Fund Advisors ($89.6 million), State Street Corp ($75.6 million), Vanguard Capital Management LLC ($71.7 million), Two Sigma Investments ($47.0 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was OCFC's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), OCEANFIRST FINANCIAL CORP (OCFC) reported revenue of $642.5 million (up 0.0% from FY2024) and net income of $71.0 million. Diluted EPS was $1.17. The figures come from the XBRL data in the 10-K.
What are the main risks in OCFC's latest 10-K?
In the 10-K filed February 27, 2026, OCEANFIRST FINANCIAL CORP (OCFC) flagged: Regulatory risk: Pending merger requires FRB, OCC, NYDFS approvals; delays or conditions could impose material costs or restrict combined company operations. Macroeconomic threat: $7.63B (69.2%) loan portfolio concentrated in commercial and real estate sectors, exposing to market downturn risks. (AI summary of the Risk Factors section.)
What did OCFC report in its latest 8-K?
OCEANFIRST FINANCIAL CORP (OCFC) filed an 8-K on July 31, 2026 reporting Item 2.02 (Results of Operations and Financial Condition) and Item 7.01 (Regulation FD Disclosure). Q2 2026 results covered quarter ended June 30, 2026.
What are the latest OCFC SEC filings?
OCEANFIRST FINANCIAL CORP (OCFC) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on July 31, 2026 and a Form 4 insider filing on September 18, 2026.
What is OCFC's SEC CIK number?
OCEANFIRST FINANCIAL CORP (OCFC)'s SEC Central Index Key (CIK) is 1004702. EDGAR lists every OCFC filing under that number.
Ask anything about OCFC
The research agent reads OCFC's filings, financials, insider trades and 13F holders, then answers with sources.